Homeowner insurance policies typically cover the removal of a fallen tree if it causes damage to your property. However, it's important to review the specifics of your policy to understand the extent of the coverage. Some policies may have limitations on the amount they will pay for tree removal or require a separate deductible for this type of claim. Additionally, coverage may vary depending on the cause of the tree falling. For example, if the tree fell due to a storm or other covered peril, it is more likely to be covered than if it fell due to neglect or lack of maintenance. To determine if your policy covers the removal of a downed tree, you should contact your insurance provider and file a claim. They will guide you through the process and let you know what documentation is needed. It's always a good idea to take photos of the damage and keep any receipts or invoices related to the tree removal. Remember that every insurance policy is different, so it's best to consult with your provider to fully understand your coverage.